Overview
- OpenAI, which announced the preview Friday, is letting ChatGPT link bank and investment accounts through Plaid.
- Once linked, users get a dashboard that breaks down spending, subscriptions, balances, and investments, plus financial memories for goals and debts.
- The preview runs in the United States for ChatGPT Pro on web and iOS and uses the GPT-5.5 Thinking model that OpenAI says scored 79 out of 100 on complex finance tasks.
- Access stays read-only with no payments or full account numbers, and users can disconnect accounts and have synced data deleted within 30 days.
- OpenAI leaves model training on by default for synced finance data unless users opt out, and security experts warn pooled transaction histories could fuel targeted phishing if accounts are breached.